Their pro formas felt optimistic with providing 6% annual appreciation and property management that is only about 6% of rent so I take it with a grain of salt (they offer their own property management services but it has terrible reviews on Yelp so I would probably go with someone else). 

They do minimal at best verification of the data the applicant provides.

So, your focus may need to pivot from high rental cash flow to little to no cash flow as a rental with an appreciation upside.I would recommend taking your $150K to $200K and securing a solid equity position in something that will cover its expenses and maybe provide a small cash flow, but then is poised to appreciate nicely over the course of the next several years. 

If it's currently an STR they should be able to provide you with the p/l statement from prior years so you can see gross rents, operating expenses, average daily rates and occupancy levels.

We provide actionable information, not MLS data sheets.I’ve experimented with increasing the scope of our software.

It's always a mix of pro's and con's.

With the amount of support they provide I am not against settling for an 8/10 deal. 

The utility company doesn't manage your property...they provide paid services until they're not paid anymore. 

As for non-bank loans, I'm familiar with a loan program that provides 100% financing, but it requires a minimum 650 credit score and proof of funds covering 12 months of interest.

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!